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100% Recommend

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Lending Experts

We’re mortgage experts. This means we know our stuff when it comes to all types of mortgages. We know where the best rates are and have access to exclusive deals just for Lending Expert customers.

Huge Market Comparison

We’re not tied to one lender which means we can search the wider market to find you the cheapest mortgages from across the UK.

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Lending Expert is an FCA regulated credit broker which means you can be assured you are dealing with a legitimate and reputable finance company.

Flexible Lending

If you have bad credit or have previously been refused a mortgage we can consider your application. Whatever your circumstances please get in touch and we'll do our best to help find you the perfect mortgage deal.

What is a buy to let mortgage?

Compare buy to let mortgages

Compare buy to let mortgages

Buy to let mortgages are used to finance the buying of property for investment purposes such as buying a property with the sole intention of renting it out. Buy to let mortgages become very popular towards the end of the 90’s and some commentators say had a huge impact on fuelling the housing boom before the crash of the mid 2000’s.

How Can I get a buy to let mortgage?

Many of the high street lenders offer a buy to let product especially for the purchase of buying property to let. Mortgages can be obtained in the normal way via the lender direct or through the use of a mortgage broker. A quick search here on the website will show you the “whole of market” buy to let products and rates that are currently available.

What are the differences between a buy to let and normal residential mortgage?

Buy to let mortgages are generally more expensive with higher interest rates when compared to the standard residential mortgage. The acceptance criteria for a buy to let mortgage takes into consideration the achievable rent value from the property as well as the income and credit worthiness of the mortgage applicant. This means that some lenders will require the applicant to have a minimum income and that the property can achieve a minimum rent value. The minimum rental value is expressed as a percentage of the interest only payment element.

Buy to let mortgage brokers

Mortgage brokers have an indepth knowledge of the market

Mortgage brokers have an indepth knowledge of the market

If you are considering purchasing a property to let out as an investment then it is a wise decision to speak to a buy to let mortgage broker before making any firm offers to buy. A good mortgage broker will be able to explain what options are open to you given you budget and investment plans. If you have a property in mind then a broker can help to see if the numbers “stack up” and if the property is a wise investment decision.

Due Diligence – know all the facts before buying

It is important to carry out careful due diligence and with any investment decision to be aware of all the facts and pros and cons of buying a buy to let property. It’s important to consider that if you failed to rent out your property, or you experienced void periods then you will still be liable to pay your mortgage obligations as normal.

What types of buy to let mortgages are there?

The types of mortgages are very much the same as normal home purchase mortgages. Buy to let mortgages are available as fixed rate, variable rate, and both interest only and capital repayment. You also have the flexibility to remortgage a buy to let property in the normal way, either to move to a better rate or simply to release any available equity in the property.

Buy to let mortgages have provided thousands of people across the UK to realise their property investment dreams. Many people have gone on to build substantial property empires worth millions of pounds, while others have purchased buy to let property to provide towards their pension in later life.

Compare mortgages and get the best deals today.

Related Links

Buy to Let Mortgages

Get expert advice and buy to let mortgage comparsion from our approved brokers.

Buy to Let Mortgage Brokers

Speak to a broker for advice and guidance on what products are available to you.

Fixed Rate Buy to Let Mortgages

Compare fixed rate mortgages from the market place.

HMO Mortgages

HMO mortgages for landlords and property professionals. Market comparison back up with expert advice.

Buy to Let Mortgages Self Employed

Mortgages for self employed landlords. Get expert advice and compare mortgages online.

Buy to Let Mortgages Bad Credit

If you have bad credit there are still mortgage options open to you.

Student Let Mortgages

Mortgages for student lets and accomodation.

Buy to Let Mortgage Calculator

Find out how much you can borrow and what it will cost with this BTL mortgage calculator.

Buy-to-Let Secured Loans

Landlords can raise funds against their buy to let investments by way of a secured second charge loan.

Limited Company Mortgages

Mortgage advice and comparison for limited company mortgages.

Buy to Let No Mimimum Ownership

Mortgages and products for non standard applicants.

Buy to Let Mortgage No Proof of Income

Mortgage products and lenders that dont require proof of income are available.

Buy to let mortgages for unemployed

If you're unemployed you can still get a mortgage with these lenders.

Buy to Let Mortgages No Credit Check

Buy to let mortgages with no credit check requirements.

Buy to Let Portfolio Landlord Mortgages

Buy to let mortgages for portfolio landlords who wish to mortgage multiple investments.

85% Buy to Let Mortgages

85% buy to let mortgages with only a 15% deposit required.

Commercial Mortgages

Commercial mortgages for investors and business.

Serviced Accomodation Mortgages

Get expert advice on mortgage and remortgage options for your investment.